The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$30,305
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,247
−HK$958/mo
Today · 4.125%
HK$32,205
baseline
▲ 0.50% · 4.625%
HK$34,165
+HK$1,960/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$64,410/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,714
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,618
−HK$917/mo
Today · 4.125%
HK$35,535
baseline
▲ 0.50% · 4.625%
HK$37,408
+HK$1,873/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$71,070/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,366
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$37,497
−HK$1,149/mo
Today · 4.125%
HK$38,646
baseline
▲ 0.50% · 4.625%
HK$40,998
+HK$2,352/mo
Deposit HK$5.32M · loan HK$7.97M · min. income ≈ HK$77,292/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,457
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,542
−HK$1,100/mo
Today · 4.125%
HK$42,642
baseline
▲ 0.50% · 4.625%
HK$44,890
+HK$2,248/mo
Deposit HK$5.32M · loan HK$7.97M · min. income ≈ HK$85,284/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,427
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$43,746
−HK$1,341/mo
Today · 4.125%
HK$45,087
baseline
▲ 0.50% · 4.625%
HK$47,831
+HK$2,744/mo
Deposit HK$3.99M · loan HK$9.30M · min. income ≈ HK$90,174/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,199
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,465
−HK$1,284/mo
Today · 4.125%
HK$49,749
baseline
▲ 0.50% · 4.625%
HK$52,372
+HK$2,623/mo
Deposit HK$3.99M · loan HK$9.30M · min. income ≈ HK$99,498/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,549
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,245
−HK$1,724/mo
Today · 4.125%
HK$57,969
baseline
▲ 0.50% · 4.625%
HK$61,497
+HK$3,528/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$115,938/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,685
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,312
−HK$1,651/mo
Today · 4.125%
HK$63,963
baseline
▲ 0.50% · 4.625%
HK$67,335
+HK$3,372/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$127,926/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,379 · Scale 2, in force from 26 Feb 2026)